VIETNAM BANKING INDUSTRY Banking operations in the first months of 2019 achieved many remarkable results. Credit has gradually been controlled more strictly, as of the first 9 months of 2019, credit reached 8.4% – approximately over the same period of 2018. The situation of deposit interest rates as well as lending interest rates was relatively stable. Thanks to Resolution 42, the debt collection rate has increased greatly and the bad debt ratio in the economy has been reduced.As of 8 months of 2019, the total assets increased by 6.77% compared to the end of 2018. The CAR index went on a downward trend from 13.22% (2014) to 12.14% (2018) and 12.9% ( August, 2019). Besides, according to the data of the State Bank, by the end of August 2019, the total equity and charter capital of the whole system had slight fluctuations compared to the end of 2018, relatively increased by 7.44% and increased by 2.7%. The liquidity of the banking system remained relatively stable.2019 is forecast to be a difficult year because of many fluctuations from the world as well as internal market of Vietnam’s banking industry. The intrinsic nature of the banking system still has many unsolved problems in the short term. Besides, there are also abnormal fluctuations from the global financial market under the impact of the US-China trade war and FED’s monetary tightening schedule. In addition, the pressure from the CTPPP agreement for banks is also growing when foreign investors participate more deeply and intensely, compete fiercely with domestic banks.

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Report summary
1. Business environment
1.1 International context
1.1.1 Overview of the world economic situation
1.1.2 Evolution of the world economic situation
1.2 Domestic context
1.2.1 Domestic macroeconomic overview
1.2.2 Situation
1.3 Policies of ministries, branches and the government
1.3.1 Objectives of macroeconomic policies in 2018
1.3.2 Policies of ministries, departments and the government
1.3.3 Policies of the State Bank
1.3.4 Impact of Trade Agreement
2. Assessing the performance of the banking industry
2.1 Operations of world banking system in the world
2.1.1 Outstanding policies of central banks over the world and in the region
2.1.2 Evolutions of some currencies in the world
2.1.3 Interbank interest rate movement of some countries in the world
2.2 Some basic indicators of Vietnam’s banking industry
2.2.1 Mobilization and lending
2.2.2 Interest rates and exchange rates
2.2.3 Balance of payments
2.2.4 Total means of payment
2.3 Operation of the Vietnam Central Bank
2.3.1 Interest rate
2.3.2 Exchange rate
2.3.3 Open market
2.3.4 Reserve requirement
2.4 Operation of Vietnamese commercial banking system
2.4.1 Overview of banking operations
2.4.2 Develop the bank’s network and payment system
2.4.3 Forecast
3. Typical banks
Appendix